Protect Every Member of the Family (Including Your Cats and Dogs)

Our pets do so much for us. They’re great listeners. They keep us warm. And they love us no matter what. So when our pets need medical attention, the last thing we should have to worry about is cost. Unfortunately, countless pet owners find themselves in that position every year.

We want to help, so we’re working with Trupanion – a leader in pet insurance – to make it easier for pet owners to give their furry family members the care they need.

Get a Pet Quote

What Is Pet Medical Insurance?

Pet medical insurance from Trupanion is a great way to provide for your pet when it needs you most.

Pay a small monthly premium, and when your cat or dog requires veterinary care, pay the bill at the time of service. Trupanion will reimburse you for 90% of all covered care, less your deductible.footnote[1] In many cases, Trupanion can even pay your vet directly, so you won’t wait for reimbursement.

Given the high cost of veterinary care, saving 90% (less your deductible) – even on routine medical procedures – really adds up.

What's Covered:

  • All illnesses and injuries, including but not limited to:
    • Bite wounds
    • Foreign body ingestion
    • Patella luxation
  • All conditions your breed may be prone to (hereditary and congenital) including:
    • Cherry eye
    • Diabetes
    • Hip dysplasia
    • Thyroid disease
  • Diagnostic tests
  • Surgeries
  • Hospital stays
  • Medications
  • Veterinary supplements
  • Herbal therapy
  • Prosthetic devices and carts

What's Not Covered:

  • Exam fees
  • Your deductible, which only has to be met once per injury or illness
  • Sales tax, where applicable
  • Wellness and preventative care
  • Pre-existing conditionsfootnote[2]
  • Incidents that occur during the policy’s waiting periodfootnote[3] (5 days from policy enrollment for injuries; 30 days from policy enrollment for illnesses)
  • Elective, cosmetic, or preventive procedures (for example, ear cropping or dew claw removal)

Why Trupanion?

Trupanion is a recognized leader in pet insurance, with a high-quality, no-nonsense coverage plan.

Trupanion - Medical insurance for your pet.

One Simple Plan

All pets insured by Trupanion get their best coverage with a single, easy-to-understand plan.

Vet Direct Pay

In many cases, Trupanion can pay your veterinarian directly—just pay your portion at the time of service.

No Payout Limits

While insured, your pet receives unlimited coverage without any caps.

90% Coverage

Once you’ve met your deductible, you’re only responsible for 10% of the costs of all covered veterinary care—Trupanion pays the remaining 90%footnote[4].

Why State Farm?

For nearly 100 years, people have turned to State Farm to protect what matters most to them.

One Source for All Your Insurance Needs
With more than 100 products for nearly every purpose and lifestyle, State Farm is a great choice for insurance.

A Name You Know and Trust
With State Farm, you can count on high-quality insurance protection at a fair price. For your life, your vehicles, and your pets, too!

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  • [1] Deductibles: a deductible is the amount you pay for each illness or injury before you’ll receive reimbursement or payment for eligible medical expenses. Trupanion’s deductible is a lifetime-per-incident deductible. This means that, once the deductible is met for a covered injury or illness, all future medical costs associated with that injury or illness will be eligible for coverage as long as the policy is in effect. You have the option to choose a deductible from $0 to $1,000.

  • [2] Pre-existing conditions: If you currently have a pet medical insurance policy, switching carriers or purchasing a new policy may affect certain provisions such as coverages for pre-existing conditions or deductibles already established under your current policy. Let your State Farm agent know if your existing policy has provisions that might make it beneficial for you to keep.

  • [3] Waiting Period: Trupanion policies have a 5-day waiting period for injuries and a 30-day waiting period for illnesses. This means that injuries that happen 5 days after enrollment and any illnesses that develop 30 days after enrollment are eligible for coverage (as long as there's no evidence that the illness or injury already existed). Please note that any injuries that occur during the 5 day waiting period or illnesses that begin during the 30 day waiting period are considered pre-existing and not eligible for coverage.

  • [4] Terms and conditions apply, and can be found on Trupanion’s website.

Pet insurance products are underwritten by American Pet Insurance Company.

State Farm (including State Farm Mutual Automobile Insurance Company and its subsidiaries and affiliates) is not responsible for, and does not endorse or approve, either implicitly or explicitly, the content of any third party sites referenced in this material. Products and services are offered by third parties and State Farm does not warrant the merchantability, fitness or quality of the products and services of the third parties.